While many financial planners choose to plan for their clients to live to the age of 90, sometimes circumstances arise that present and difficult situation for financial planners. If a client has a terminal illness, which requires some unique financial planning to prepare the client for his or her death. One of the difficulties that arises is when a client has difficulty coming to terms with his or her situation. If a client is in denial about his or her situation, then it might become difficult to work with that client. A planner might want to consider stepping in a role into a strong but caring role. In other words, a planner might want to consider "'hand-holding and some pushing.'" It is important to remember that what a planner should do will likely change with their client's own unique situation. A financial planner might also to consider creating a team of experts, including an accountant, an estate planning lawyer, and a medical care planner. Finally, it might be possible that a financial planner's client has a bucket list or any meaningful goals that they might want to accomplish. This is important because it could affect how the financial planner helps his or her client through the last stage of their life.